Business Details
Your Trusted California Bankruptcy Legal Team
The Law Office of Christopher Hewitt has dedicated the past two decades to providing specialized bankruptcy legal services across California. Our firm prioritizes client-centered representation, offering personalized guidance through complex financial challenges such as Chapter 7 and Chapter 13 bankruptcies, debt settlement, foreclosure prevention, and wage garnishment relief. With strategic office locations in Palm Desert, Downtown Riverside, and San Clemente, we ensure accessibility while maintaining the flexibility to meet clients in their homes or via virtual platforms.Our practice combines extensive experience with thousands of successfully filed bankruptcies, a multilingual approach to client communication, and a commitment to transparent, ethical legal counsel. We distinguish ourselves through our availability for free consultations during evenings and weekends, tailored case strategies that avoid standardized solutions, and a deep understanding of both local and federal bankruptcy court procedures. Our team's global perspective and empathetic approach ensure clients receive comprehensive support during financially stressful periods.
Services
Bankruptcy
Chapter 7
Chapter 13
Debt Settlement
Foreclosure
Wage Garnishment
Highlights and features
- We offer free bankruptcy consultations in Spanish and English during evenings and weekends
- Our firm files personalized bankruptcy cases with no standardized templates
- We serve clients across California through virtual court proceedings and document submission
- Our attorney has filed over 3,000 bankruptcy cases in Riverside Federal Court
- We provide home visit consultations for clients with special circumstances
What people say
Highly recommend
Saved us
Responsive
Debt free
Great advise
Services
Bankruptcy
Our bankruptcy services help individuals and businesses eliminate or restructure overwhelming debt through Chapter 7 liquidation or Chapter 13 repayment plans. We analyze your financial situation to determine eligibility for bankruptcy protection, including means testing requirements. With extensive experience in California bankruptcy courts, we guide clients through the automatic stay process to stop creditor actions while developing customized debt resolution strategies.
Chapter 7
Chapter 7 bankruptcy services focus on eliminating unsecured debts like credit card balances while protecting essential assets through California exemptions. We help clients understand property retention options including the wildcard exemption for non-homeowners. Our practice ensures proper documentation of exempt assets while navigating reaffirmation agreements for secured debts clients wish to maintain outside bankruptcy proceedings.
Chapter 13
Chapter 13 services cater to clients with regular income seeking structured debt repayment over 3-5 years. We develop feasible repayment plans that satisfy court requirements while balancing living expenses. Our expertise includes handling above-median income cases and protecting assets from liquidation through effective plan structuring that meets both client needs and trustee approval standards.
Debt Settlement
Our debt settlement practice negotiates with creditors to reduce unsecured debt balances outside bankruptcy. We represent clients in discussions with lenders to establish affordable payment arrangements while preventing collection actions. This service particularly benefits clients who don't qualify for Chapter 13 but need relief from creditor harassment and unsustainable debt obligations.
Foreclosure
Foreclosure prevention services utilize bankruptcy's automatic stay to halt home sales and create opportunities for loan modifications. We guide clients through California's non-judicial foreclosure process, extending the 90-day redemption period through strategic bankruptcy filings. Our approach combines immediate protection with long-term solutions for mortgage arrears management.
People
Christopher Hewitt
Bankruptcy Attorney
California-licensed bankruptcy attorney with 20+ years of experience handling consumer and business bankruptcies. Fluent in Spanish, with cultural expertise from Middle Eastern upbringing and international travel. Specializes in personalized debt solutions while maintaining compassionate client relationships through challenging financial circumstances.
Questions
What bankruptcy options exist for California residents?
We help clients evaluate Chapter 7 liquidation for immediate debt discharge or Chapter 13 reorganization for structured repayment plans based on income and asset considerations.
How does the automatic stay protect me?
Filing bankruptcy triggers an automatic stay that immediately stops foreclosure sales, wage garnishments, creditor lawsuits, and collection calls to provide financial breathing room.
Can I keep my home during bankruptcy?
California exemptions often allow homeowners to retain their property through proper bankruptcy planning, especially when combining exemptions with reaffirmation agreements.
Do you offer consultations outside regular business hours?
Yes, we provide free evening and weekend consultations in English and Spanish to accommodate working clients' schedules.
How are court proceedings handled post-filing?
Most bankruptcy court appearances now occur via Zoom or phone, with document submission through fax or scanner for statewide client convenience.
